ANNISTON - OXFORD Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Anniston - Oxford averaged
6.19%
for the week of 2022-06-23, compared to the national average of
5.81% for the same period.
The average rate for the prior week (2022-06-16) was
5.86% and
one month ago for the week of 2022-05-19, the
average rate was 5.63%.
Anniston - Oxford's average rate one year ago was 3.03%.
For refis of the same type during the week of 2022-06-23, the average rate
was 6.02%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-23 | 5.81% |
| Anniston - Oxford 30 Year Fixed Rate | 2022-06-23 | 6.19% |
| Anniston - Oxford 30 Year Fixed Rate Refi | 2022-06-23 | 6.02% |
| Anniston - Oxford 15 Year Fixed Rate | 2022-06-23 | 5.54% |
| Anniston - Oxford 15 Year Fixed Rate Refi | 2022-06-23 | 5.55% |
| Anniston - Oxford 30 Year FHA | 2022-06-23 | -0.08% |
| Anniston - Oxford 30 Year FHA Refi | 2022-06-23 | 0.09% |
| Anniston - Oxford 30 Year USDA | 2022-06-23 | 0.07% |
| Anniston - Oxford 30 Year USDA Refi | 2022-06-23 | -0.26% |
| Anniston - Oxford 30 Year VA | 2022-06-23 | 0.39% |
| Anniston - Oxford 30 Year VA Refi | 2022-06-23 | 0.17% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ANNISTON-OXFORD, AL.
ANNISTON - OXFORD Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the ANNISTON-OXFORD, AL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
ANNISTON-OXFORD, AL's 131 lenders originated 3,438
loans during 2021. The total origination value was $544,090,000, with an average loan value of
$158,258.
The top ANNISTON - OXFORD lender as defined by loan originations is QUICKEN LOANS, LLC, with
103 loans originated. Their average total fees are
$4,355, which is $1,019
higher than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee ANNISTON - OXFORD lenders (with over 10 loans originated) are
ALABAMA TEACHERS ($1,484), SouthPoint Bank ($2,473), Wells Fargo Bank ($2,628), HUNT MORTGAGE CORPORATION ($2,787) and Regions Bank ($3,068).
The lowest rate ANNISTON - OXFORD lenders (with over 10 loans originated) are
Consumer First Mortgage, Inc. (2.91%), Ameris Bank (2.93%), UNITED WHOLESALE MORTGAGE, LLC (2.93%), SouthPoint Bank (2.97%) and Renasant Bank (2.99%).
ANNISTON-OXFORD, AL Lender Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $47,600,000 | $61,290,000 | 28.8% | 11.3% |
| QUICKEN LOANS, LLC | $36,405,000 | $48,705,000 | 33.8% | 9.0% |
| Ameris Bank | $32,645,000 | $35,530,000 | 8.8% | 6.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $3,140,000 | $19,330,000 | 515.6% | 3.6% |
| Renasant Bank | $21,740,000 | $18,375,000 | -15.5% | 3.4% |
| Regions Bank | $17,880,000 | $18,170,000 | 1.6% | 3.3% |
| FREEDOM MORTGAGE CORPORATION | $21,190,000 | $17,615,000 | -16.9% | 3.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $12,205,000 | $16,920,000 | 38.6% | 3.1% |
| SouthPoint Bank | $8,045,000 | $16,835,000 | 109.3% | 3.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $11,620,000 | $14,900,000 | 28.2% | 2.7% |
| AOD Federal Credit Union | $13,390,000 | $11,835,000 | -11.6% | 2.2% |
| LOANDEPOT.COM, LLC | $4,630,000 | $11,360,000 | 145.4% | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | $2,180,000 | $9,640,000 | 342.2% | 1.8% |
| Truist Bank | $14,570,000 | $9,495,000 | -34.8% | 1.7% |
| Investar Bank | $9,060,000 | n/a | 1.7% | |
| First Bank of Alabama | $5,590,000 | $7,655,000 | 36.9% | 1.4% |
| HOME POINT FINANCIAL CORPORATION | $4,925,000 | $7,285,000 | 47.9% | 1.3% |
| GUILD MORTGAGE COMPANY | $6,710,000 | $7,250,000 | 8.0% | 1.3% |
| Mortgage Research Center, LLC | $7,065,000 | $6,820,000 | -3.5% | 1.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,515,000 | $6,700,000 | 21.5% | 1.2% |
| SOUTHWEST FUNDING, LP | $5,225,000 | $6,665,000 | 27.6% | 1.2% |
| Wells Fargo Bank | $4,150,000 | $6,525,000 | 57.2% | 1.2% |
| NobleBank & Trust | $3,465,000 | $6,380,000 | 84.1% | 1.2% |
| HUNT MORTGAGE CORPORATION | $5,230,000 | $6,275,000 | 20.0% | 1.2% |
| MORTGAGE INVESTORS GROUP, INC. | $6,920,000 | $6,025,000 | -12.9% | 1.1% |
| LAKEVIEW LOAN SERVICING, LLC | $3,320,000 | $5,820,000 | 75.3% | 1.1% |
| AMERISAVE MORTGAGE CORPORATION | $2,470,000 | $5,030,000 | 103.6% | 0.9% |
| Consumer First Mortgage, Inc. | $1,215,000 | $4,745,000 | 290.5% | 0.9% |
| ORIX REAL ESTATE CAPITAL, LLC | $4,715,000 | n/a | 0.9% | |
| VILLAGE CAPITAL & INVESTMENT LLC | $2,955,000 | $4,590,000 | 55.3% | 0.8% |
| NEWREZ LLC | $2,505,000 | $4,365,000 | 74.3% | 0.8% |
| NEW DAY FINANCIAL, LLC | $2,970,000 | $4,170,000 | 40.4% | 0.8% |
| BAYSHORE MORTGAGE FUNDING, LLC | $4,110,000 | n/a | 0.8% | |
| ALABAMA TEACHERS | $3,335,000 | $3,860,000 | 15.7% | 0.7% |
| Fort McClellan Credit Union | $1,625,000 | $3,585,000 | 120.6% | 0.7% |
| Citizens Bank | $6,670,000 | $2,930,000 | -56.1% | 0.5% |
| HONDA Federal Credit Union | $1,565,000 | $2,905,000 | 85.6% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $835,000 | $2,905,000 | 247.9% | 0.5% |
| AMERICA'S FIRST | $1,925,000 | $2,845,000 | 47.8% | 0.5% |
| First Federal Bank, A FSB | $2,105,000 | $2,505,000 | 19.0% | 0.5% |
| BBVA USA | $4,775,000 | $2,345,000 | -50.9% | 0.4% |
| USAA Federal Savings Bank | $3,490,000 | $2,320,000 | -33.5% | 0.4% |
| FIRST COMMUNITY MORTGAGE, INC. | $975,000 | $2,160,000 | 121.5% | 0.4% |
| Carrington Mortgage Services, LLC | $1,355,000 | $2,140,000 | 57.9% | 0.4% |
| HOMESTAR FINANCIAL CORPORATION | $1,885,000 | $2,075,000 | 10.1% | 0.4% |
| Southern Bank | $2,065,000 | n/a | 0.4% | |
| COREVEST AMERICAN FINANCE LENDER LLC | $2,025,000 | n/a | 0.4% | |
| Barrington Bank & Trust Company, N.A. | $1,065,000 | $1,880,000 | 76.5% | 0.3% |
| BROKER SOLUTIONS, INC. | $760,000 | $1,795,000 | 136.2% | 0.3% |
| Hometown Lenders, Inc. | $2,830,000 | $1,785,000 | -36.9% | 0.3% |
| TJC Mortgage, Inc. | $730,000 | $1,785,000 | 144.5% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,440,000 | $1,745,000 | 21.2% | 0.3% |
| CRESCENT MORTGAGE COMPANY | $1,410,000 | $1,705,000 | 20.9% | 0.3% |
| AlaTrust Credit Union | $2,315,000 | $1,600,000 | -30.9% | 0.3% |
| GMFS LLC | $1,295,000 | $1,540,000 | 18.9% | 0.3% |
| FirstBank | $1,480,000 | $1,465,000 | -1.0% | 0.3% |
| Metro Bank | $880,000 | $1,445,000 | 64.2% | 0.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $525,000 | $1,420,000 | 170.5% | 0.3% |
| 21ST MORTGAGE CORPORATION | $1,300,000 | $1,310,000 | 0.8% | 0.2% |
| CMG MORTGAGE, INC. | $510,000 | $1,300,000 | 154.9% | 0.2% |
| Bank of America | $670,000 | $1,295,000 | 93.3% | 0.2% |
| Flagstar Bank, FSB | $995,000 | $1,255,000 | 26.1% | 0.2% |
| Goldwater Bank, N.A. | $1,525,000 | $1,255,000 | -17.7% | 0.2% |
| U.S. Bank | $3,175,000 | $1,250,000 | -60.6% | 0.2% |
| FBC MORTGAGE, LLC | $895,000 | $1,145,000 | 27.9% | 0.2% |
| BETTER MORTGAGE CORPORATION | $1,005,000 | $1,115,000 | 10.9% | 0.2% |
| JPMorgan Chase Bank | $1,370,000 | $1,085,000 | -20.8% | 0.2% |
| LEADERONE FINANCIAL CORPORATION | $1,085,000 | n/a | 0.2% | |
| PNC Bank | $440,000 | $1,070,000 | 143.2% | 0.2% |
| EVANSVILLE TEACHERS | $390,000 | $1,045,000 | 167.9% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $135,000 | $1,015,000 | 651.9% | 0.2% |
| ISERVE RESIDENTIAL LENDING, LLC | $480,000 | $1,005,000 | 109.4% | 0.2% |
| CALIBER HOME LOANS, INC. | $1,820,000 | $1,000,000 | -45.1% | 0.2% |
| ZILLOW HOME LOANS, LLC | $985,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $75,000 | $960,000 | 1,180.0% | 0.2% |
| Progress Bank and Trust | $155,000 | $935,000 | 503.2% | 0.2% |
| River Bank & Trust | $85,000 | $895,000 | 952.9% | 0.2% |
| SIRVA MORTGAGE, INC. | $855,000 | n/a | 0.2% | |
| Bank of England | $940,000 | $845,000 | -10.1% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $805,000 | n/a | 0.1% | |
| United Bank | $755,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $720,000 | $740,000 | 2.8% | 0.1% |
| Liberty Bank | $725,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $1,120,000 | $720,000 | -35.7% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $280,000 | $690,000 | 146.4% | 0.1% |
| Blue Ridge Bank | $420,000 | $685,000 | 63.1% | 0.1% |
| CERTAINTY HOME LOANS, LLC | $95,000 | $675,000 | 610.5% | 0.1% |
| AMERICAN FINANCING CORPORATION | $260,000 | $665,000 | 155.8% | 0.1% |
| Synovus Bank | $500,000 | $650,000 | 30.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $615,000 | $640,000 | 4.1% | 0.1% |
| GUARANTEED RATE, INC. | $65,000 | $640,000 | 884.6% | 0.1% |
| First Federal Bank | $260,000 | $610,000 | 134.6% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $205,000 | $610,000 | 197.6% | 0.1% |
| PLANET HOME LENDING, LLC | $1,025,000 | $610,000 | -40.5% | 0.1% |
| KS StateBank | $605,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $270,000 | $590,000 | 118.5% | 0.1% |
| The Federal Savings Bank | $2,435,000 | $590,000 | -75.8% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $240,000 | $565,000 | 135.4% | 0.1% |
| NBKC BANK | $285,000 | $550,000 | 93.0% | 0.1% |
| REDSTONE Federal Credit Union | $235,000 | $550,000 | 134.0% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $545,000 | n/a | 0.1% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $95,000 | $540,000 | 468.4% | 0.1% |
| BancorpSouth Bank | $760,000 | $530,000 | -30.3% | 0.1% |
| Trustmark National Bank | $225,000 | $530,000 | 135.6% | 0.1% |
| Troy Bank and Trust Company | $525,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $520,000 | n/a | 0.1% | |
| Southern States Bank | $6,510,000 | $500,000 | -92.3% | 0.1% |
| GUARANTY HOME MORTGAGE CORPORATION | $410,000 | $495,000 | 20.7% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $685,000 | $495,000 | -27.7% | 0.1% |
| APCO EMPLOYEES | $435,000 | $490,000 | 12.6% | 0.1% |
| First Guaranty Mortgage Corporation | $700,000 | $490,000 | -30.0% | 0.1% |
| Prosperity Home Mortgage, LLC | $590,000 | $455,000 | -22.9% | 0.1% |
| Cadence Bank, N.A. | $450,000 | n/a | 0.1% | |
| ACOPIA, LLC | $560,000 | $425,000 | -24.1% | 0.1% |
| InterContinental Capital Group, Inc | $415,000 | n/a | 0.1% | |
| INTERLINC MORTGAGE SERVICES, LLC | $845,000 | $415,000 | -50.9% | 0.1% |
| Discover Bank | $85,000 | $390,000 | 358.8% | 0.1% |
| Bank of Whittier | $385,000 | n/a | 0.1% | |
| First Option Mortgage, LLC | $380,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $115,000 | $375,000 | 226.1% | 0.1% |
| SOFI LENDING CORP. | $375,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $995,000 | $370,000 | -62.8% | 0.1% |
| CB&S Bank, Inc. | $365,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $505,000 | $360,000 | -28.7% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $565,000 | $355,000 | -37.2% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $570,000 | $350,000 | -38.6% | 0.1% |
| Nations Lending Corporation | $515,000 | $345,000 | -33.0% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $405,000 | $335,000 | -17.3% | 0.1% |
| Liberty Mortgage Corporation | $165,000 | $330,000 | 100.0% | 0.1% |
| Gateway First Bank | $130,000 | $325,000 | 150.0% | 0.1% |
| Patriot Bank | $325,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $315,000 | n/a | 0.1% | |
| BNC National Bank | $305,000 | n/a | 0.1% | |
| Mortgage Assurance Inc. | $230,000 | $305,000 | 32.6% | 0.1% |
| RUOFF MORTGAGE COMPANY, INC. | $115,000 | $295,000 | 156.5% | 0.1% |
| AMERIFIRST FINANCIAL CORPORATION | $290,000 | n/a | 0.1% | |
| Northpointe Bank | $675,000 | $290,000 | -57.0% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $285,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $285,000 | n/a | 0.1% | |
| LENDERFI, INC. | $280,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $275,000 | n/a | 0.1% | |
| FAMILY SAVINGS | $140,000 | $270,000 | 92.9% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $265,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $260,000 | n/a | 0.0% | |
| Commonwealth Bank and Trust Company | $255,000 | $255,000 | 0.0% | 0.0% |
| First Home Bank | $315,000 | $255,000 | -19.0% | 0.0% |
| MILEND, INC. | $255,000 | n/a | 0.0% | |
| MORTGAGE MARKETS CUSO, LLC | $255,000 | n/a | 0.0% | |
| Stride Bank | $255,000 | n/a | 0.0% | |
| Wyndham Capital Mortgage, Inc. | $255,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $245,000 | n/a | 0.0% | |
| Austin Capital Bank SSB | $240,000 | n/a | 0.0% | |
| FirstTrust Home Loans, Inc. | $845,000 | $235,000 | -72.2% | 0.0% |
| STEARNS LENDING, LLC | $105,000 | $230,000 | 119.0% | 0.0% |
| Bryant Bank | $515,000 | $225,000 | -56.3% | 0.0% |
| Independent Bank | $225,000 | n/a | 0.0% | |
| Fifth Third Bank | $550,000 | $220,000 | -60.0% | 0.0% |
| LIMA ONE CAPITAL, LLC | $220,000 | n/a | 0.0% | |
| Manufacturers and Traders Trust Company | $220,000 | n/a | 0.0% | |
| Atlantic Union Bank | $215,000 | n/a | 0.0% | |
| Triumph Bank | $725,000 | $205,000 | -71.7% | 0.0% |
| UNION HOME MORTGAGE CORP. | $205,000 | n/a | 0.0% | |
| Assurance Financial Group, L.L.C. | $260,000 | $200,000 | -23.1% | 0.0% |
| EVERETT FINANCIAL, INC. | $175,000 | $200,000 | 14.3% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $215,000 | $195,000 | -9.3% | 0.0% |
| 1st Franklin Financial Corporation | $190,000 | n/a | 0.0% | |
| FINANCE OF AMERICA MORTGAGE LLC | $185,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $185,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $185,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $250,000 | $185,000 | -26.0% | 0.0% |
| CSL Financial, LLC | $335,000 | $180,000 | -46.3% | 0.0% |
| BAY EQUITY LLC | $175,000 | n/a | 0.0% | |
| EASTMAN | $175,000 | n/a | 0.0% | |
| Florida Capital Bank | $175,000 | n/a | 0.0% | |
| Grow Financial Federal Credit Union | $175,000 | n/a | 0.0% | |
| TIB The Independent Bankersbank | $175,000 | n/a | 0.0% | |
| Hamilton Mortgage Corporation | $165,000 | n/a | 0.0% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $160,000 | n/a | 0.0% | |
| Alcova Mortgage LLC | $155,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $155,000 | n/a | 0.0% | |
| AuburnBank | $145,000 | n/a | 0.0% | |
| EMM LOANS LLC | $145,000 | $145,000 | 0.0% | 0.0% |
| Priority Bank | $145,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $200,000 | $140,000 | -30.0% | 0.0% |
| Peoples Bank of Alabama | $140,000 | n/a | 0.0% | |
| AVADIAN | $285,000 | $135,000 | -52.6% | 0.0% |
| Capital City Home Loans, LLC | $135,000 | n/a | 0.0% | |
| First Horizon Bank | $135,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $300,000 | $135,000 | -55.0% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $135,000 | n/a | 0.0% | |
| Reliant Bank | $135,000 | n/a | 0.0% | |
| Valley National Bank | $135,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $315,000 | $125,000 | -60.3% | 0.0% |
| THE MORTGAGE FIRM, INC. | $125,000 | n/a | 0.0% | |
| EvaBank | $205,000 | $120,000 | -41.5% | 0.0% |
| BMO Harris Bank | $115,000 | n/a | 0.0% | |
| HOMETRUST MORTGAGE COMPANY | $115,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $335,000 | $115,000 | -65.7% | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $125,000 | $115,000 | -8.0% | 0.0% |
| Stifel Bank and Trust | $115,000 | n/a | 0.0% | |
| Sunflower Bank | $115,000 | n/a | 0.0% | |
| Ally Bank | $145,000 | $105,000 | -27.6% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $95,000 | $105,000 | 10.5% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $105,000 | n/a | 0.0% | |
| Prime Choice Funding Inc. | $105,000 | n/a | 0.0% | |
| Alabama One Credit Union | $355,000 | $95,000 | -73.2% | 0.0% |
| FINANCE OF AMERICA COMMERCIAL LLC | $95,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $610,000 | $95,000 | -84.4% | 0.0% |
| ACADEMY MORTGAGE CORPORATION | $85,000 | n/a | 0.0% | |
| Arvest Bank | $85,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $85,000 | n/a | 0.0% | |
| Magnolia Bank | $670,000 | $85,000 | -87.3% | 0.0% |
| Willamette Valley Bank | $85,000 | n/a | 0.0% | |
| ALABAMA STATE EMPLOYEES CREDIT UNION | $75,000 | n/a | 0.0% | |
| Plains Commerce Bank | $75,000 | n/a | 0.0% | |
| Associated Credit Union | $65,000 | n/a | 0.0% | |
| BANKSOUTH MORTGAGE COMPANY, LLC | $65,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| FAY SERVICING, LLC | $65,000 | n/a | 0.0% | |
| ITHINK FINANCIAL Credit Union | $90,000 | $55,000 | -38.9% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $75,000 | $25,000 | -66.7% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% |
ANNISTON - OXFORD's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 11.3% market share. In second place, with 9.0%, is QUICKEN LOANS, LLC, having originated $48,705,000 in loans. In third place, with 6.5%, is Ameris Bank, having originated $35,530,000 in loans. In third place, with 3.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $19,330,000 in loans. In third place, with 3.4%, is Renasant Bank, having originated $18,375,000 in loans.
ANNISTON-OXFORD, AL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,606 | $271,560,000 | $169,091 |
| Refi | 1,101 | $174,375,000 | $158,379 |
| Cash Out Refi | 572 | $86,530,000 | $151,276 |
| Home Improvement | 90 | $6,480,000 | $72,000 |
| Other | 69 | $5,145,000 | $74,565 |
Anniston - Oxford's most frequently cited loan purpose was Home Purchase, with 1,606 originations. The 2nd most popular reason was Refi, with 1,101 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,316 | $220,160,000 | $167,295 |
| 3-4% | 1,132 | $170,490,000 | $150,610 |
| <2.5% | 563 | $100,695,000 | $178,854 |
| 4-5% | 120 | $13,730,000 | $114,417 |
| Over 8% | 49 | $2,815,000 | $57,449 |
| 6-7% | 26 | $2,250,000 | $86,538 |
| 5-6% | 19 | $2,465,000 | $129,737 |
| 7-8% | 13 | $975,000 | $75,000 |
During 2021, Anniston - Oxford's most frequently originated rate bucket was 2.5-3%, with 1,316 originations.
Loan Sizing (ANNISTON-OXFORD, AL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 1,733 | $249,215,000 | $143,806 |
| $100,000 or less | 881 | $56,355,000 | $63,967 |
| $200k-400k | 765 | $197,085,000 | $257,627 |
| $400k-600k | 44 | $21,180,000 | $481,364 |
| $600k-1000k | 10 | $7,810,000 | $781,000 |
| $Over $1MM | 5 | $12,445,000 | $2,489,000 |
ANNISTON - OXFORD's loan sizing saw the bucket of loans from $100k-200k with 1,733 originations, totaling $249,215,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,619 | $277,125,000 | $171,170 |
| 60-80% | 918 | $152,660,000 | $166,296 |
| 40-60% | 267 | $32,745,000 | $122,640 |
| 20-40% | 108 | $6,940,000 | $64,259 |
| Under 20% | 95 | $2,315,000 | $24,368 |
| Over 100% | 57 | $16,355,000 | $286,930 |
ANNISTON - OXFORD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,619 originations, totaling $277,125,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - ANNISTON - OXFORD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $125,900 (10.7%) | $157,392 (7.8%) | 0.00 | 514 |
| 2018-02-01 | $124,700 (3.5%) | $152,376 (1.0%) | 0.00 | 545 |
| 2018-03-01 | $124,900 (2.2%) | $155,394 (0.5%) | 0.00 | 533 |
| 2018-04-01 | $124,950 (0.0%) | $161,038 (3.2%) | 0.00 | 513 |
| 2018-05-01 | $124,950 (2.2%) | $162,136 (5.2%) | 0.00 | 503 |
| 2018-06-01 | $129,000 (3.5%) | $162,925 (4.9%) | 0.00 | 513 |
| 2018-07-01 | $129,900 (0.7%) | $161,745 (2.6%) | 0.00 | 523 |
| 2018-08-01 | $127,000 (1.2%) | $156,795 (-1.2%) | 0.00 | 545 |
| 2018-09-01 | $125,000 (4.3%) | $156,072 (1.4%) | 0.00 | 535 |
| 2018-10-01 | $129,700 (8.8%) | $162,366 (5.0%) | 0.00 | 523 |
| 2018-11-01 | $129,900 (8.3%) | $168,696 (9.7%) | 0.00 | 505 |
| 2018-12-01 | $129,500 (3.6%) | $171,267 (8.6%) | 0.00 | 496 |
| 2019-01-01 | $124,450 (-1.2%) | $167,414 (6.4%) | 0.00 | 482 |
| 2019-02-01 | $124,900 (0.2%) | $167,710 (10.1%) | 0.00 | 455 |
| 2019-03-01 | $129,186 (3.4%) | $174,559 (12.3%) | 0.00 | 430 |
| 2019-04-01 | $137,400 (10.0%) | $180,320 (12.0%) | 0.00 | 413 |
| 2019-05-01 | $146,000 (16.9%) | $187,022 (15.4%) | 0.00 | 418 |
| 2019-06-01 | $144,000 (11.6%) | $187,658 (15.2%) | 0.00 | 410 |
| 2019-07-01 | $149,500 (15.1%) | $192,671 (19.1%) | 0.00 | 416 |
| 2019-08-01 | $147,529 (16.2%) | $191,534 (22.2%) | 0.00 | 425 |
| 2019-09-01 | $144,900 (15.9%) | $189,938 (21.7%) | 0.00 | 435 |
| 2019-10-01 | $141,000 (8.7%) | $187,984 (15.8%) | 0.00 | 459 |
| 2019-11-01 | $143,900 (10.8%) | $189,955 (12.6%) | 0.00 | 437 |
| 2019-12-01 | $144,900 (11.9%) | $188,663 (10.2%) | 0.00 | 425 |
| 2020-01-01 | $142,500 (14.5%) | $188,340 (12.5%) | 0.00 | 417 |
| 2020-02-01 | $144,900 (16.0%) | $185,444 (10.6%) | 0.00 | 421 |
| 2020-03-01 | $149,300 (15.6%) | $189,262 (8.4%) | 0.00 | 395 |
| 2020-04-01 | $142,000 (3.4%) | $182,654 (1.3%) | 0.00 | 397 |
| 2020-05-01 | $149,000 (2.1%) | $185,804 (-0.7%) | 0.00 | 384 |
| 2020-06-01 | $149,900 (4.1%) | $193,005 (2.9%) | 0.00 | 351 |
| 2020-07-01 | $150,250 (0.5%) | $191,893 (-0.4%) | 0.00 | 356 |
| 2020-08-01 | $159,900 (8.4%) | $198,247 (3.5%) | 0.00 | 295 |
| 2020-09-01 | $157,450 (8.7%) | $204,476 (7.7%) | 0.00 | 249 |
| 2020-10-01 | $159,900 (13.4%) | $204,122 (8.6%) | 0.00 | 233 |
| 2020-11-01 | $167,450 (16.4%) | $203,903 (7.3%) | 0.00 | 209 |
| 2020-12-01 | $154,950 (6.9%) | $192,003 (1.8%) | 0.00 | 212 |
| 2021-01-01 | $159,900 (12.2%) | $197,877 (5.1%) | 0.00 | 200 |
| 2021-02-01 | $164,900 (13.8%) | $187,949 (1.4%) | 0.00 | 180 |
| 2021-03-01 | $159,200 (6.6%) | $190,020 (0.4%) | 0.00 | 156 |
| 2021-04-01 | $169,400 (19.3%) | $213,514 (16.9%) | 0.00 | 136 |
| 2021-05-01 | $165,000 (10.7%) | $212,027 (14.1%) | 0.00 | 137 |
| 2021-06-01 | $168,950 (12.7%) | $206,622 (7.1%) | 0.00 | 144 |
| 2021-07-01 | $182,450 (21.4%) | $222,593 (16.0%) | 0.00 | 167 |
| 2021-08-01 | $183,500 (14.8%) | $230,175 (16.1%) | 0.00 | 177 |
| 2021-09-01 | $201,900 (28.2%) | $241,951 (18.3%) | 0.00 | 178 |
| 2021-10-01 | $189,900 (18.8%) | $244,485 (19.8%) | 0.00 | 176 |
| 2021-11-01 | $189,900 (13.4%) | $245,933 (20.6%) | 0.00 | 172 |
| 2021-12-01 | $172,450 (11.3%) | $248,062 (29.2%) | 0.00 | 166 |
| 2022-01-01 | $165,000 (3.2%) | $239,326 (21.0%) | 0.00 | 161 |
| 2022-02-01 | $166,950 (1.2%) | $215,482 (14.7%) | 0.00 | 158 |
| 2022-03-01 | $151,250 (-5.0%) | $208,778 (9.9%) | 0.00 | 154 |
| 2022-04-01 | $164,900 (-2.7%) | $212,160 (-0.6%) | 0.00 | 164 |
| 2022-05-01 | $169,900 (3.0%) | $234,029 (10.4%) | 0.00 | 182 |
ANNISTON - OXFORD's median listing price for 2022-05-01 was $169,900, a difference of
$4,900
(3.0%) versus the prior year and
$5,000 versus the prior month.
ANNISTON - OXFORD's median listing price comes in at 0% of the national average.
ANNISTON - OXFORD's average listing price for 2022-05-01 was $234,029, a difference of $22,002 (10.4%) versus the prior year and $21,869 versus the prior month.
For the 2022-05-01 period, ANNISTON - OXFORD had 182 MLS listings, a difference of 18 listings (11%) versus the prior month and 45 listings (33%) versus the prior year.
ANNISTON - OXFORD's median listing price comes in at 0% of the national average.
ANNISTON - OXFORD's average listing price for 2022-05-01 was $234,029, a difference of $22,002 (10.4%) versus the prior year and $21,869 versus the prior month.
For the 2022-05-01 period, ANNISTON - OXFORD had 182 MLS listings, a difference of 18 listings (11%) versus the prior month and 45 listings (33%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - ANNISTON - OXFORD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,904 sqft |
| 2018-02-01 | 0 days | 1,904 sqft |
| 2018-03-01 | 0 days | 1,689 sqft |
| 2018-04-01 | 0 days | 1,709 sqft |
| 2018-05-01 | 0 days | 1,691 sqft |
| 2018-06-01 | 0 days | 1,675 sqft |
| 2018-07-01 | 0 days | 1,671 sqft |
| 2018-08-01 | 0 days | 1,679 sqft |
| 2018-09-01 | 0 days | 1,658 sqft |
| 2018-10-01 | 0 days | 1,650 sqft |
| 2018-11-01 | 0 days | 1,686 sqft |
| 2018-12-01 | 0 days | 1,664 sqft |
| 2019-01-01 | 0 days | 1,643 sqft |
| 2019-02-01 | 0 days | 1,650 sqft |
| 2019-03-01 | 0 days | 1,679 sqft |
| 2019-04-01 | 0 days | 1,662 sqft |
| 2019-05-01 | 0 days | 1,695 sqft |
| 2019-06-01 | 0 days | 1,730 sqft |
| 2019-07-01 | 0 days | 1,738 sqft |
| 2019-08-01 | 0 days | 1,750 sqft |
| 2019-09-01 | 0 days | 1,766 sqft |
| 2019-10-01 | 0 days | 1,757 sqft |
| 2019-11-01 | 0 days | 1,748 sqft |
| 2019-12-01 | 0 days | 1,776 sqft |
| 2020-01-01 | 0 days | 1,795 sqft |
| 2020-02-01 | 0 days | 1,830 sqft |
| 2020-03-01 | 0 days | 1,870 sqft |
| 2020-04-01 | 0 days | 1,850 sqft |
| 2020-05-01 | 0 days | 1,856 sqft |
| 2020-06-01 | 0 days | 1,891 sqft |
| 2020-07-01 | 0 days | 1,889 sqft |
| 2020-08-01 | 0 days | 1,919 sqft |
| 2020-09-01 | 0 days | 1,881 sqft |
| 2020-10-01 | 0 days | 1,830 sqft |
| 2020-11-01 | 0 days | 1,825 sqft |
| 2020-12-01 | 0 days | 1,800 sqft |
| 2021-01-01 | 0 days | 1,836 sqft |
| 2021-02-01 | 0 days | 1,780 sqft |
| 2021-03-01 | 0 days | 1,776 sqft |
| 2021-04-01 | 0 days | 1,852 sqft |
| 2021-05-01 | 0 days | 1,845 sqft |
| 2021-06-01 | 0 days | 1,887 sqft |
| 2021-07-01 | 0 days | 1,914 sqft |
| 2021-08-01 | 0 days | 1,851 sqft |
| 2021-09-01 | 0 days | 1,932 sqft |
| 2021-10-01 | 0 days | 1,893 sqft |
| 2021-11-01 | 0 days | 1,966 sqft |
| 2021-12-01 | 0 days | 1,939 sqft |
| 2022-01-01 | 0 days | 1,893 sqft |
| 2022-02-01 | 0 days | 1,590 sqft |
| 2022-03-01 | 0 days | 1,657 sqft |
| 2022-04-01 | 0 days | 1,650 sqft |
| 2022-05-01 | 0 days | 1,797 sqft |
ANNISTON - OXFORD's median listing age (time on market) for 2022-05-01 was 0 days.
ANNISTON - OXFORD's median square footage for active listings during the 2022-05-01 period was 1,797 sqft. One year prior, the average listing was 1,845 sqft.
ANNISTON - OXFORD's median square footage for active listings during the 2022-05-01 period was 1,797 sqft. One year prior, the average listing was 1,845 sqft.
